Lisbon, OH · Charter 63676
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.26% | 0.64% | -2.70% | -6.39% | -721 bps | |
| Return on Equity | 3.07% | 0.99% | 2.35% | -9.97% | -25.17% | -2,825 bps | |
| Net Interest Margin | 4.79% | 4.91% | 4.96% | 4.46% | 4.81% | +2 bps | |
| Efficiency Ratio | 81.11% | 94.51% | 88.56% | 143.20% | 220% | +13,883 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.81% | -2.07% | -1.65% | -3.75% | -6.66% | -185 bps | |
| Loan Growth (YoY) | -3.80% | -7.19% | -10.67% | -16.09% | -19.74% | -1,594 bps | |
| Share Growth (YoY) | -6.74% | -2.62% | -3.09% | -4.77% | -6.70% | +5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 1.09% | 1.32% | 0.72% | 0.65% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 1.96% | 1.63% | 1.91% | 1.72% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.46% | 26.66% | 27.40% | 27.10% | 25.39% | -107 bps | |
| Net Worth / Assets | 26.46% | 26.66% | 27.40% | 27.10% | 25.39% | -107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.13% | 49.75% | 48.95% | 45.59% | 44.84% | -729 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |